If anyone ever thinks it can’t happen to them….

Well, sorry for not updating this over the last few days, but things got a bit out of control. On Monday 19th, we left Ulm and headed down towards Austria. On the A7 autobahn about 60 miles south of Ulm, one of our group decided to make an unscheduled dismount and hurl his bike down the motorway at about 100mph.

The pack of bikes was running at 74mph on my cruise control. There was me and another two bikes at the front, then a bit of a gap was developing, and another 8 bikes further behind. One rider near the back decided to come up to the front and gave it a big handful. He must have been passing the rest of the bikes at significantly past 100 mph, when he developed a front wheel wobble, turning into a tank slapper which promptly ejected him from the bike. They parted company and both bounced, flipped and rolled along the A7 until coming to a halt.

Luckily enough, the A7 was nearly empty of traffic, he didn't get run over or hit anything solid. He was a very lucky boy indeed and his protective clothing did the job.

Broken shoulder blade, 5 broken ribs, 3 broken toes. Lots of bruising, but he has all of his skin. The bike is a mess though and will almost certainly be written off. The German emergency services were on site in about 7 minutes and took him to hospital. German Police recovered the bike and put that into storage. All in all, the German emergency services were incredible. Luckily we had a couple of native German speakers in the group too.

Speaking to the rider the next day, all he could tell me is that he booted it to get up the front, realised he was going too fast and totally shut off the throttle. He "may" have grabbed a handful of brake at the same time.

Anyway. That put a damper on the day. In the end, most of us continued to Zell am See asper the original plan, but a few hours later than expected, The rider's best mate stayed with him in hospital and then joined us the following day once everything was 100% sorted. One point to note - he has since found out that his travel insurance only covered him for bikes up to 120cc....so he's going to have to pay to get himself back home.

IMG_4127.jpeg
The bloke on the left took the unscheduled dismount.
 
Last edited by a moderator:
I registered with CERQL some years ago

Costs £1.00 a year - All my emergency data encoded into a QRcode on the helmet -

medical services scan the code on arrival - medical history available instantly

whats a squid these days ?
That is good ... I like the sound of that.
 
That is good ... I like the sound of that.

Be sure not to lend your helmet to someone or they’ll maybe be getting your weekly haemorrhoid check. That’ll not be adding to their comfort, whilst they lie in A&E.
 
Perfectly reasonable reasons for them not to pay out - which is why when we, as motorcyclists, take out insurance that it does indeed cover you as 'all' the travel insurance policies I looked at did not cover you if you were on a bike over 125cc. The only time this is not true is when the policy is taken out at the same time as the motorbike insurance - but this does not cover pillions. I mentioned this previously and I still haven't found a travel insurance policy that will offer cover for a pillion passenger on a motorbike above 125cc. It's OK if you drive a car though!
 
Perfectly reasonable reasons for them not to pay out - which is why when we, as motorcyclists, take out insurance that it does indeed cover you as 'all' the travel insurance policies I looked at did not cover you if you were on a bike over 125cc.

The only time this is not true is when the policy is taken out at the same time as the motorbike insurance


- but this does not cover pillions. I mentioned this previously and I still haven't found a travel insurance policy that will offer cover for a pillion passenger on a motorbike above 125cc. It's OK if you drive a car though!
There are lots of Travel insurances that include riding motorcycles with a cubic capacity of greater than 125 cc. You are right though, always check the cover provided, rather than relying on “My mate says, he read on the internet that….”.

The only time this is not true is when the policy is taken out at the same time as the motorbike insurance….

I have no idea what that means.

I still haven't found a travel insurance policy that will offer cover for a pillion passenger on a motorbike above 125cc…..

Do you mean Third Party Liability cover, when the pillion sues you for the injuries they have suffered? Those are covered by your conventional Motor insurer, providing you are riding in a country covered by your Motor policy.

Your pillion passenger will, one hopes, have bought their own Travel insurance anyway, which (assuming they bought the correct policy) should include their riding on a motorcycle, whether as a pillion or not. Always check.

Lord knows what you mean by:

It's OK if you drive a car though!
 
Last edited:
I've been careful to always ensure my personal cover includes riding bikes over 125cc after learning about this via the forum, last year I had to change insurers as they or their underwriters had removed such cover.

I went with Puffin Insurance after a recommend (probably from someone on here).

I usually buy an annual policy (including winter sports) so I'm covering all bases for not a lot more than a single-trip policy.

Cheers for the CERQL tip Martin, I had never heard of that before. Ideal if found unconscious in a remote location.

I have ordered four of the helmet stickers (two per helmet ) for the great price of £6 (plus the £1 to register them to the database once they arrive)....... I figured on fitting two per lid in case I take a tumble and one becomes unreadable.
 
Last edited:
There are lots of Travel insurances that include riding motorcycles with a cubic capacity of greater than 125 cc

They used to all include riding bikes but that has now changed, happy for you to link to one that includes rider and pillion - but all the ones I looked at had exclusions for bikes over 125cc

I have no idea what that means but, whatever it is, it looks like garbage.

What I mean by my statement is that when taking out your motorbike insurance, they will offer you travel insurance that will cover you if you have a crash on your bike whereas a separate standalone policy does not. Again, this will only cover the rider and not the pillion.

Do you mean Third Party Liability cover, when the pillion sues you for the injuries they have suffered?

No, I mean if I were to have a crash on a bike which injured my pillion then the travel insurance would not cover medical expenses for the pillion

Your pillion passenger will, one hopes, have bought their own Travel insurance anyway

Again, the travel insurance does not cover medical expenses if you have an accident on a bike over 125cc.

How do I know all of this? Well, I had travel insurance for me and my daughter to travel on the bike to Norway, then when I read all of the small print the exclusion for 125cc bikes was in there. I phoned up and was told that yes, this is the case. Me and my daughter would not be covered for medical expenses in the event of a crash on the bike as it was over 125cc. However, when I phoned BeMoto (my insurer) they said I would be covered under their travel insurance policy they offer but only for me and not my pillion.

I then went online and tried multiple different travel insurance policies for my daughter and all of the ones I found at the time had an exclusion for riding on a motorbike over 125cc.

This never used to be the case, I agree - but I believe that all recent separate travel insurance policies have this exclusion.

The only one I found that would cover medical expenses in the event of a vehicle accident was a ~400 yearly policy and not a per trip policy.

If you do know of one, then please link to it rather than spouting unfounded opinion (the trouble with fourms most of the time).
 
I've been careful to always ensure my personal cover includes riding bikes over 125cc after learning about this via the forum, last year I had to change insurers as they or their underwriters had removed such cover.

I went with Puffin Insurance after a recommend (probably from someone on here).

I usually buy an annual policy (including winter sports) so I'm covering all bases for not a lot more than a single-trip policy.

This seems to be the case now - the requirement is of a yearly policy to get the correct cover. Per trip policies do not seem to have the cover we require.
How much is your policy on a yearly basis with Puffin if you don't mind sharing?
 
I think I paid £129 last year for annual global travel cover with winter sports, but would need to check (documents at home).

Its due for renewal soon, I hope they are still competitive and providing sufficient cover for my needs.
 
Perfectly reasonable reasons for them not to pay out - which is why when we, as motorcyclists, take out insurance that it does indeed cover you as 'all' the travel insurance policies I looked at did not cover you if you were on a bike over 125cc. The only time this is not true is when the policy is taken out at the same time as the motorbike insurance - but this does not cover pillions. I mentioned this previously and I still haven't found a travel insurance policy that will offer cover for a pillion passenger on a motorbike above 125cc. It's OK if you drive a car though!
I am insured with Voyager Travel insurance, As phone calls are recorded, I have asked the question at the time, if I would be insured, when riding a my 1301cc motorcycle abroad? Yes was the answer.
 
I am insured with Voyager Travel insurance, As phone calls are recorded, I have asked the question at the time, if I would be insured, when riding a my 1301cc motorcycle abroad? Yes was the answer.
So, just tried to get a quote from these people online and for my circumstances I cannot get a quote (due to a pre-existing condition). Bit of a pain that!
 
Here is one simple example of a provider of Travel insurance which includes riding of a motorcycle with a capacity of greater than 125 cc.


There are lots of others on offer. Just Google away, you will find them and / or there are lots of suggestions on this forum. Always though do check, just in case Bikermate Bob on UKGSer did not read HIS policy correctly. Not least, policies do change. The Post Office’s Travel policy used to be highly recommended on these pages….. but then the wording changed.

========

You seem to be fixated with Travel insurance that is bundled together (ie flogged at the same time) with conventional Motor insurance, all shoved together into the same envelope. Sometimes this is good cover but sometimes (as with ‘free’ Travel insurance lobbed out by banks and building societies) it can be poor. Do not rely on any ‘By bikers, for bikers’ nonsense.

Third party liability (Road vehicles) is a standard exclusion under Travel insurance policies. Should you injure your pillion or cause injury or damage to any other third party, that is covered by your Motor policy, assuming you are riding in a country covered by the policy. Look at your certificate of Motor insurance to find out what countries are covered.

When buying Travel insurance, each person on the holiday needs their OWN policy and cover. You buying YOUR Motor policy through BeMoto and having them bundle it up with a Travel policy just for YOU is pretty much standard. Just buy your daughter / pillion a standalone Travel policy, including travelling - whether as a pillion or driver - on a motorcycle of over 125 cc and all should be well.
 
Last edited:
So, just tried to get a quote from these people online and for my circumstances I cannot get a quote (due to a pre-existing condition). Bit of a pain that!

Pre-existing medical conditions are a separate affair. Depending on what the condition(s) is / are, cover might be easy to find or hard / expensive. You might, depending on your circumstances, be better off talking to a specialist broker.
 
I think I paid £129 last year for annual global travel cover with winter sports, but would need to check (documents at home).

Its due for renewal soon, I hope they are still competitive and providing sufficient cover for my needs.

it may have been me that recommended Puffin. They are the broker and the policy is from Axa. I did not renew with them for my 2023-4 policy as the price went up for the pre-existing medical element.

Last Easter, I bought the same Axa policy via https://www.tescobank.com/travel-insurance/ - the Tesco branding is just a wrapper for a broker called Rock Insurance.

I have a number of medical conditions and they are all covered. I have the base cover for Europe. This covers me on any bike as rider or pillion as long as I wear a helmet. I can add additional people to the policy if needed and they would have the same cover. If @icedfusion meets the underwriting criteria then it might suit their requirements
 
So, just tried to get a quote from these people online and for my circumstances I cannot get a quote (due to a pre-existing condition). Bit of a pain that!
see my post above for the Tesco/Axa policy

if they will not quote for your medical risk factors then you need to speak to https://www.allcleartravel.co.uk/ as they will tailor a policy for almost anyone regardless of age or ailment. At a price of course.
 
it may have been me that recommended Puffin. They are the broker and the policy is from Axa. I did not renew with them for my 2023-4 policy as the price went up for the pre-existing medical element.

Last Easter, I bought the same Axa policy via https://www.tescobank.com/travel-insurance/ - the Tesco branding is just a wrapper for a broker called Rock Insurance.

I have a number of medical conditions and they are all covered. I have the base cover for Europe. This covers me on any bike as rider or pillion as long as I wear a helmet. I can add additional people to the policy if needed and they would have the same cover. If @icedfusion meets the underwriting criteria then it might suit their requirements

see my post above for the Tesco/Axa policy

if they will not quote for your medical risk factors then you need to speak to https://www.allcleartravel.co.uk/ as they will tailor a policy for almost anyone regardless of age or ailment. At a price of course.

Thank you very much for this info! I will look into it as will most likely need it this year for my daughter and myself.
 
Icedfusion, are you now happy that:

a. Individual Travel insurance is needed for EACH person on the holiday.

b. Travel insurance, including riding (or being a pillion on) motorcycles with a capacity of greater than 125cc is NOT impossible to find.

c. Travel insurance for pre-existing medical conditions might, depending on circumstances, require some separate and additional shopping around and / or a chat to a specialist broker.

d. Motor Third Party liability is a standard exclusion under Travel policies.

=======

….rather than spouting unfounded opinion (the trouble with fourms most of the time).

I’ll give you a pass on that one.
 
Last edited:
As always Richard, the Devil is in the detail.

(Unless ones bikermate knows better, insisting that your bank account 'privilege' deal has insurance cover, that'll be enough.)
 


Back
Top Bottom